Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but maintaining it can get expensive over time, especially if your home in Kerrville is on the older side. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Kerrville.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Kerrville. Liberty has been operating for over 6 years, making it a highly regarded company in the industry. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Kerrville area.
Read our Liberty Home Guard full review to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Kerrville. Choice has been operating for over 15 years, making it a highly regarded company in the industry. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Kerrville area.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Kerrville. Select has been operating for over 11 years, making it a highly regarded company in the industry. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Kerrville area.
Read our Select Home Warranty full review to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Kerrville. AHS has been operating for over 26 years, making it a highly regarded company in the industry. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Kerrville area.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Kerrville. First American has been operating for over 39 years, making it a highly regarded company in the industry. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Kerrville area.
Read our First American Home Warranty full review to learn more. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Kerrville. Cinch has been operating for over 44 years, making it a highly regarded company in the industry. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Kerrville area.
Read our Cinch Home Services full review to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Kerrville. HSC has been operating for over 15 years, making it a highly regarded company in the industry. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Kerrville area.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,822 |
Heating | $3,881 |
Electrical | $582 |
Toilets | $485 |
Washer/Dryer | $776 |
Plumbing | $582 |
Oven | $1,553 |
Fridge | $582 |
A home warranty is a protection plan that helps cut costs for Kerrville homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. Newer homes with functional appliances probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances include dryers, microwaves, dishwashers, washers, refrigerators, garbage disposals, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. It's important for Kerrville homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover AC, heating, plumbing, electrical, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Look for providers with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's rating provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair technicians they have in Kerrville and get an idea of how fast your repairs could be handled in an emergency. Bigger networks raise the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Kerrville can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
Plus, having a home warranty can save you time by removing the need to research service technicians — most providers will send a trusted professional right to your door to do the repair or replacement. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
One major drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to compare the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, about $300 to $600 a year in Kerrville. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Kerrville.
Homebuyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Kerrville, where the median home value is $355,666, having the seller pay for the home warranty can be a good asset for your new home.